Call reports 2022
ROYAL BUSINESS BANK — 2022
What ROYAL BUSINESS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,011,923,000 | 3,963,786,000 | 3,899,514,000 | 3,915,530,000 |
| Total loans | 3,209,133,000 | 3,145,033,000 | 3,261,194,000 | 3,335,555,000 |
| Allowance for loan losses | 33,292,000 | 34,155,000 | 36,047,000 | 41,077,000 |
| Securities available for sale | 420,446,000 | 358,136,000 | 266,270,000 | 256,830,000 |
| Securities held to maturity | 6,246,000 | 5,741,000 | 5,735,000 | 5,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,239,611,000 | 3,084,560,000 | 3,014,431,000 | 3,023,391,000 |
| Interest-bearing deposits | 2,008,550,000 | 1,982,556,000 | 2,043,368,000 | 2,178,943,000 |
| Noninterest-bearing deposits | 1,231,061,000 | 1,102,004,000 | 971,063,000 | 844,448,000 |
| Equity capital | 578,594,000 | 590,912,000 | 603,031,000 | 621,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 39,540,000 | 81,852,000 | 128,242,000 | 180,817,000 |
| Interest expense | 2,727,000 | 5,595,000 | 10,605,000 | 21,772,000 |
| Net interest income | 36,813,000 | 76,257,000 | 117,637,000 | 159,045,000 |
| Noninterest income | 3,148,000 | 6,777,000 | 9,491,000 | 11,945,000 |
| Noninterest expense | 15,918,000 | 33,041,000 | 49,478,000 | 63,142,000 |
| Provision for loan losses | 366,000 | 1,282,000 | 3,048,000 | 6,027,000 |
| Pretax income | 23,677,000 | 48,711,000 | 74,602,000 | 102,912,000 |
| Income tax | 7,211,000 | 14,654,000 | 21,925,000 | 30,572,000 |
| Net income | 16,466,000 | 34,057,000 | 52,677,000 | 72,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 514,298,000 | 532,221,000 | 551,277,000 | 569,071,000 |
| Total capital | 548,776,000 | 566,329,000 | 585,073,000 | 602,894,000 |
| Risk-weighted assets | 2,833,829,000 | 2,727,487,000 | 2,700,389,000 | 2,697,415,000 |